Ohio Pre-Existing Condition Health Insurance – How To Apply For A Policy

The Ohio Pre-existing condition health insurance plan is available. This temporary health insurance program (“high risk pool”) is designed to offer affordable medical benefits until 2014 when the Exchanges may be available. If you have been declined or turned down, it is a great option to consider. Applications will be accepted, and Medical Mutual will operate the plan through the Department of Insurance. You can visit the MM website to apply for coverage. The entire process takes about 20 minutes, and can be completed online.

Non-smoking rates will be between $188 and $545 per month, depending on the age of the applicant and the requested benefits. There are two plan choices. One has a $1,500 deductible and the other less expensive option has a $2,500 deductible. Pre-existing conditions will be covered without a waiting period. However, there are several prerequisites that you should be aware of.

How To Qualify

To qualify for coverage, you must have a “qualifying pre-existing condition,” as evidenced by a denial of coverage by two health insurers. Documentation from a health professional will also suffice. Any person who applies for the plan also must be a citizen or lawfully present in the United States. Also, no prior medical coverage can be in effect for the last six months and proof of Ohio residency will be required. If a policy was active during this time period, unfortunately, the applicant will become ineligible for coverage.

The program will be available until 2014 when national health reform takes effect. Many experts feel insurance rates could substantially increase at that time, since any person could obtain coverage regardless of their medical condition. And of course, they will be able to cancel their policy after treatment, and purchase health care when it is needed again. A small penalty would be imposed if coverage is not in effect, although this will increase every year. However, if “Open Enrollment” periods are established and enforced, the chances of success will increase.

Healthy Persons Should Not Apply

If you DO NOT have any major pre-existing conditions, you SHOULD NOT apply for this coverage. You may be eligible for standard coverage at much lower rates from some of the major companies such as Aetna, Anthem Blue Cross, UnitedHealthcare, Medical Mutual, Humana or Assurant. You can view these rates by clicking on the “Get Instant Quote” button at the top of the page.

We provide affordable Ohio health insurance plans and offer the lowest premiums charged by each company. You can also call and speak to a live person by calling us. If/when an Exchange is offered here in our state, this website will still guide you through the application process.